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DO NOT USE THSIS CREDIT CARD COMPLETE TAKE ON UNFORTUNATELY I USED FOR TWO FOREIGN EXCHANGE TRANSACTIONS THINKING IT WAS ZERO RATED INTEREST BUT FOUND THIS WAS NOT SO AND FOUND IT PRACTIVALLY IMPOSSIBLE TO CLEAR THIS ACCOUNT . AFTER PAYING INTREST SHOWN ON MONTLY STATEMENT AND THINKING THE ACCOUNT WAS CLEARED I AGAIN RECEIVED A FURTHER DEMAND FOR INTEREST AFTER PAYING THIS SMALL AMOUNT AND AGAIN THINKING IT WAS CLEARED I AGAIN RECEIVED A FURTHER DEMAND FOR 3 PENCE. MUST HAVE COST THE COMPANY MUCH MOR TO PRINT AND POST THE STATMENT STILL DONT KNOW IF BALANCE CLEARED. I HAVE NOW SCRAPPED THIS CARD AND WILL NO LONGER RECOMMEND.

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Today I phoned Santander for a written copy of my Ts & Cs on this card, so I have it in writing that the interest free period on balance transfers is, as was advertised at the time, 12 months from the date of registration of the card.Fist call (all seem to land in India on a Sunday) got routed to an advisor whose system was down, who promptly routed me back to himself in error, made a 2nd attempt to re-route me and finally I was cut off. On 2nd attempt to call. was told Santander cannot send such a thing, that the exact expiry date of interest free period would be advised in a later statement close to that date.I am wondering if this is even legal.The customer service situation is very dubious.

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good deal but customer service leaves a lot to be desired

I'm going to try not to go on a big rant here but it's going to be hard. So here it goes.

I first saw the Santander Zero Credit card advertised on the Alliance and Leicester website when doing my online banking (Alliance and Leicester is part of the Santander group, a Spanish bank).

It is basicaly a fee free(ish) credit card. It offers no balance transfer fee, no foreign exchange fee (great if you do a lot of traveling) and 0% on purchases for the first three months.

I thought that was a great deal so I applied for one. I also used it on holiday and found they offered a competitive exchange rate on foreign transactions.

I didn't have any issues till I had to try to claim back a deposit on a holiday paid for on my credit card when the holiday company went bankrupt. I first phoned ABTA who informed me that I had to make a claim with my credit card company. It took me months and months of speaking to unhelpful call centre staff and a couple of angry letters to finally get my deposit.

So all and all a good deal but customer service leaves a lot to be desired